Mu gihe ikoranabuhanga rikomeje gutera imbere mu Rwanda, urwego rwo kohereza no kwishyurana amafaranga rwinjiye mu kindi cyiciro gishya gishobora guhindura byinshi ku isoko rya serivisi z’imari.
Banki Nkuru y’u Rwanda (BNR) yatangije uburyo bushya bwo kwishyurana bwitwa Rwanda National Digital Payment System (RNDPS/eKash), buhuza amabanki yose n’ibindi bigo by’imari, bugamije koroshya, kwihutisha no kugabanya ikiguzi cy’ihererekanya ry’amafaranga.
Iyi gahunda yakiriwe neza n’abaturage benshi, cyane cyane kubera ko amafaranga yo kohereza amafaranga hagati ya konti za banki binyuze kuri eKash ashobora kuba hasi cyane ugereranyije n’ayakatwaga mbere. Hari aho abakoresha bavuga ko kohereza amafaranga bishobora gutwara amafaranga make cyane, nko hafi ya 20 Frw, bitewe na banki n’ubwoko bwa serivisi.
Ibi byatumye bamwe batangira kwibaza niba serivisi za Mobile Money, zirimo iza MTN MoMo, zitarimo guhura n’ihangana rikomeye. Mu bihe byashize, kohereza cyangwa kubikuza amafaranga kuri Mobile Money byasabaga amafaranga menshi kurusha ayo amabanki ashobora kwishyuza kuri eKash.
Abasesenguzi bavuga ko niba eKash ikomeje gutanga serivisi zihendutse kandi zizewe, ishobora gutuma abantu benshi bongera gukoresha konti za banki mu bikorwa bya buri munsi, cyane cyane mu ihererekanya ry’amafaranga.
Icyakora, ntibivuze ko MTN MoMo cyangwa izindi serivisi za Mobile Money zigiye guhomba. Mobile Money iracyafite abakiriya benshi cyane, ifite umuyoboro mugari w’abakozi bayihagarariye mu gihugu hose, kandi ikomeje gutanga izindi serivisi zirimo kwishyura fagitire, kugura igihe cyo guhamagara, kwishyura ubucuruzi no kwakira amafaranga bitagombye kunyura kuri banki.
Abahanga mu bukungu bemeza ko amarushanwa nk’aya ari inyungu ku baturage kuko atuma ibigo bihatana mu gutanga serivisi nziza, zihendutse kandi zihuse. Iyo irushanwa ryiyongereye, abakiriya ni bo bungukira ku biciro biri hasi no ku bwiza bwa serivisi.
Banki Nkuru y’u Rwanda yatangaje ko RNDPS/eKash iri mu ngamba z’Igihugu zo kubaka ubukungu bushingiye ku ikoranabuhanga no guteza imbere uburyo bwo kwishyurana budakoresha amafaranga afatika (cashless economy), hagamijwe koroshya ubucuruzi no kongera ubukungu bushingiye kuri serivisi z’ikoranabuhanga.
Mu gihe abaturage bakomeje kwakira ubu buryo bushya, amaso ahanzwe ku buryo amabanki n’abatanga serivisi za Mobile Money bazitwara muri iri rushanwa rishya, aho buri ruhande ruzasabwa kuzamura ireme rya serivisi no kugabanya ibiciro kugira ngo rukomeze gukurura abakiriya.
Mukimbiri Wilson
